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The Headstart to a Home Program



No Down Payment? No Problem!

Access Credit Union, The City of Winkler, and Lux Construction have partnered to offer a home ownership option with no down payment, for qualified Buyers.

View the downloadable brochure here for more information.


How it works

Access Credit Union will provide an insured mortgage and an interest free loan for the down payment of 5% of the purchase price for 5 years.

Lux Construction will provide a $10,000 discount on the purchase price of a home on Yellowstone Trail in Winkler.

What’s required

• Must be approved for the program by Access Credit Union

• 5 year fixed Mortgage required

• Home to be owner occupied

• Maximum Annual Family Income of $125,000


Monthly Costs



• Insured Mortgage is amortized over 25 years at the current 5-year fixed interest rate @5.59% , subject
to change.

• Interest free down payment loan is paid over 5 years